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Why Is Investing Important?

Investing is not just beneficial, it is necessary for retirement

What Is Investing?

Why should you invest, how much money should you invest, how to start investing, frequently asked questions (faqs).

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Not everyone saves for retirement, and even those who do may not be putting away nearly enough to last through the retirement years. A 2020 Federal Reserve study showed that about 25% of non-retirees were not saving for retirement. However, everyone needs to invest to create wealth, beat inflation, and save for retirement and other financial goals.

Investing does not need to involve saving large sums of money. Due to compound interest, you can earn money on your initial amount invested plus all the accumulated interest from previous periods. While everyone should be investing, each person has a different investment strategy that fits their personal and financial goals.

Learn what investing is, how much money you should invest, different investment strategies, and where to begin when investing.

Key Takeaways

• You do not need a lot of money to begin investing. Even small amounts of your money can earn money faster due to the power of compounding.
• Investing can help to create wealth, meet financial goals, beat inflation, and save for retirement.
• One investment strategy does not fit everyone. Your investment choices will differ from those of your friends and family.
• Your investment strategy depends on your financial situation, how much risk you are willing to take, how long you hope to invest, and other factors.

Investing is the act of purchasing assets or goods with a goal of generating income and appreciation. Investments, which are assets or goods purchased, are used to create future wealth. Often, these goods are in the form of stocks or bonds, but can also involve real estate or alternative assets such as cryptocurrency or gold.

Investing your money is important for a few reasons. You want to create wealth to help during times of need, job loss, or for future goals. You also want to take advantage of compounding while taking into consideration inflation, so your money is not worth less over time. In addition, if you plan on stopping work at some point and retiring, investing is important to help you achieve those goals.

Let’s examine a few of the reasons why investing is so important.

Wealth Creation

Wealth could mean different things to different people. It could mean a certain amount of money in your bank account, or it could be defined as certain financial goals you set for yourself. Either way, investing can help you get there.

If your aim is paying off debt, sending your child to college, buying a home, starting a business, or saving for retirement, investing can help you reach those goals faster than money accumulating in your bank account.  By investing, you can build wealth, which is the increase in value of all of your assets.

Wealth creation is not just a goal that may help you through your lifetime. You can leave behind a financial legacy by building generational wealth through investing. Generational wealth can not only provide strong financial footing for your children, but may be a step toward bridging the wealth gap faced by many communities.

Compounding

With investing, you can take advantage of compound interest .  Compound interest is the interest you earn on your invested money plus the money earned in each prior period. It is sometimes called “interest on interest.” Compound interest allows you to grow your wealth quickly. For example, if you invested $50 a month for 15 years, your total contribution over that period would be $9,000. Assuming a 10% rate of return, that $9,000 would grow to over $19,000 in that period thanks to compound interest.

You can visualize different scenarios of how your money would grow by using a compound interest calculator .

To Beat Inflation

Inflation refers to the overall increase in price level of products over time. If prices are rising over time, this means your money buys less today than it did yesterday. If there is inflation over a period of 30 or 40 years, your money will be worth considerably less while the cost of living has grown. One way to beat inflation is to invest your money. If your money earns more than the inflation rate, this means your money is worth more tomorrow than it is today.

If you plan on stopping work and retiring, you need to have a large amount of money saved to live off of when you no longer work. Investing can help bridge the gap between what you save and what you need to live off of for 20 or 30 years.

To start investing for retirement, you can start working backward from a number you set for yourself for retirement savings. That number can be determined by thinking about how soon you want to retire, and what kind of lifestyle and expenses you think you will have in retirement. You then can come up with an investing strategy for retirement aligning your current financial situation with your retirement goals.

While you can invest for short-term goals such as buying a home, most people invest to fund their retirement. In the U.S., people typically choose to retire around 65 years old if they are financially able to. This means that for the reminder of their lifetime, they will need to rely on their investments to fund their lifestyle. There are still expenses that need to be paid in retirement, such as utilities, housing, food, and any travel.

To figure out how much you should invest now to fund retirement or other goals, financial experts suggest a few different methods.

These rules or formulas may not work for everyone. Consider your financial situation before deciding how much and how to invest your money.

Save 20% of Your Paycheck

Some experts suggest saving 20% of your paycheck . That means you can live off 80% of your income for all of your housing, needs, and wants. This method is used by many for the simplicity in setting aside a portion of their money each paycheck. In most cases, you can automate 20% of your paycheck to go directly into an investment account each month, which makes this method one of the most favorable methods to use. However, that may not be possible for everyone.

The 4% Rule

Another rule of thumb that many financial experts use is the 4% rule. It suggests that by withdrawing 4% of your retirement funds each year, you will have enough money to live off of, while still generating enough returns to maintain its current value even after adjusting for inflation. For example, if you have $1.25 million in retirement savings, in accordance with the 4% rule, you could withdraw $50,000 in the first year. The next year, you should be able to withdraw another 4% of the remaining balance, and the cycle should continue for each year you live in retirement.

This rule is useful because if you can estimate your annual expenses in retirement, you can work backward from this amount, and determine how much money you need to save each month during the time you have left until retirement.

One Investment Strategy Does Not Fit All

Your investment strategy is personal and should depend on your goals and risk tolerance. You may have a few short-term goals, such as purchasing a car or home, and also some longer-term goals, such as saving for retirement. Understanding your personal risk tolerance is important because different people are willing to stomach large swings in the value of their investments, while others get very nervous if an investment falls in value.

Often, investments recover in the long run. The S&P 500, which is one of the major stock indexes people track, has given an annualized 12% return over the last 10 years as of March 2022.

If you are uncomfortable with risk, this will shape your investment strategy toward more diversified or even short-term assets. Longer-term investments could be riskier in some assets because there is more uncertainty over a longer time horizon; however, for some assets, a longer investment period may help average out periods of outsized short-term gains or losses.

With investing, there is a risk-reward trade-off, which means when an asset has more risk, it tends to pay a bigger reward.

Figuring out your personal investing strategy may take some time, and most investors adapt their strategies because their life circumstances are different and may change over time. For example, people who are younger tend to be riskier in their investments, whereas older adults tend to be less risky since they have fewer working years to recoup any investment losses.

Bridging the Wealth Gap

Investing can also help people and communities who often find the deck stacked against them due to the wealth gap when it comes to financial opportunities.

Women, for example, typically would need to invest more and for a longer period of time to meet retirement goals, because they are often paid lower than their male counterparts for the same job, and because the average worldwide lifespan of a woman is seven years longer. Even though research suggests that women are better investors than men, they tend to be more conservative in their investments, so taking a more proactive and aggressive strategy could benefit women.

Individuals within Black or Hispanic communities are known to have less resources and wealth, which is exacerbated by the worsening of the racial wealth gap . According to the 2019 Survey of Consumer Finances, Black households had 7.8 times less median household wealth, and Hispanic households had 5.2 times less median household wealth than White households. Investing may be a small step toward helping to narrow down this wealth gap.

You don’t need thousands of dollars to begin investing. You can set aside a little money each month to begin your investing journey. Let’s think about a simple example in which you set aside $100 each month from the age of 25 to 65. If you just put this money into your checking account, you would end up with $48,000 in 40 years ($100 x 12 months x 40 years = $48,000). However, if you invest the money and earn a 10% annual interest rate, compounded annually, your $48,000 will grow to more than $530,000. Your money makes money over time.

You can begin investing by talking to your employer to see if they have a retirement account such as a 401(k) or 403(b). You can contribute a portion of your paycheck each pay period toward your retirement account and begin selecting investments that are offered to you. If you are not offered a retirement account at your employer, you can also invest in an individual retirement account (IRA) .

You can open one at a brokerage firm or an online brokerage firm such as TDAmeritrade, Wealthfront, or Charles Schwab. At a brokerage firm, you can also open a private investment account to begin investing. These types of accounts do not have penalties if you pull out your money before you hit a certain age, like a retirement account does, but they also do not have some of the tax benefits that come with a retirement account.

Why is diversification important in investing?

Diversification allows you to spread your money across many investments, which minimizes risk. If one company or asset class does not perform well, diversification will ensure you do not lose all of your money, because you have multiple investments.

Why is investing important at a young age?

Investing early allows you to take advantage of compound interest. Investing at an earlier age also allows you to begin creating wealth sooner. If you wait to begin investing, you may need to put away a lot more of your paycheck to meet your personal and financial goals.

Why is ESG investing important?

ESG investing is also commonly called “socially responsible investing” or “impact investing.” ESG investing is important because matching your investment choices with your personal feelings and goals allows your money to work toward companies you feel are important for society.

Board of Governors of the Federal Reserve System. “ Report on the Economic Well-Being of U.S. Households in 2019, Featuring Supplemental Data From April 2020 .”

S&P Dow Jones Indices. “ S&P 500 .”

PRB. “ Around the Globe, Women Outlive Men .”

Mercer. " Inside Employees Minds Women & Wealth .”

Fidelity. " Who's the Better Investor: Men or Women? "

Federal Reserve. “ Changes in U.S. Family Finances From 2016 to 2019: Evidence From the Survey of Consumer Finances ,” Page 11.

Why You Should to Invest? Essay

• To find inspiration for your paper and overcome writer’s block
• As a source of information (ensure proper referencing)
• As a template for you assignment

Introduction

Importance of investing, disadvantages of investments, reference list.

Considering the liquidity of money and changes in global economies, future investments are one of the surest ways of ensuring the economic sustainability of individuals or organizations. Currently, there exist many uncertainties as concerns the price of commodities, something that translates to money-losing power over time if not well invested in profit gaining opportunities. In addition to uncertainties in global economies that have seen many countries go down the slopes of inflation, many life uncertainties make it necessary to invest whatever little individuals or organizations own to ensure in case unexpected expenses arise one does not remain bankrupt. It is necessary to note here that, although many investment opportunities have many gains, sometimes the whole process is a risky undertaking that requires serious considerations before venturing into it.

It is very hard to predict occurrences in the future accurately owing to many changes that occur in life. For example, it is not possible to determine when one will be facing face certain calamities in life. The same case applies to business undertakings; globally there is a great variation in prices of commodities, and owing to the fact that these changes occur every day, it is very hard to plan for some future changes that may result from economic disturbances; primarily inflation. All these factors compounded makes it necessary for one to venture into some investment plans, for it is the surest way of facing many uncertainties and adversities in life. The ability to face the future with uncertainty depends on one’s financial independence. This is because financial independence guarantees individuals an opportunity of securing the future; hence, making individuals be optimists, focused, and goal oriented.

Although all individuals have personal goals that they are always striving to achieve, sometimes lack of enough funds makes the realization of such goals a hard task; a problem that investments can alleviate. Most major purchases require hua ge amount of funds, something that individuals cannot raise at one go; hence, through investments individuals can achieve such goals because invested money grows in value; as time advances depending on the rate of interest. In addition to major purchases, the adoption of the correct investment plan can help an individual to meet not only their goals but also their entire family’s goals. For example, consider the burden and stress associated with children’s school fees. Due to the nature of changing lifestyles, it is very hard to meet this like a demand because it requires many funds, which individuals cannot afford to raise at one go. However, individuals can avoid this through investing for their children’s future; a factor that reduces the stress associated with some extra financial spending.

Considering the rate at which organizational capital goods depreciates, it is advisable for individuals to invest, for this is the only way of ensuring they develop better product potentials for their customers (Importance of investment, 2010, p.1). In addition, it is very hard to predict the customer characteristics such as demands, hence necessitating it for individuals to have alternative investments, which will act as reserves for their extra capital gained. This in many ways is a business security measure for it wiin caseure incase individuals need extra cash to fund or upgrade their business they can easily access them.

The degree of an individual’s wealth depends on how much such an individual has invested. Although most individuals attribute wealth to economic well-being, it is important to note that, wealth has many other social advantages that include respect and recognition from other societal members and security in terms of economic turmoil (Dubey, 2009, p.1-3).

Depending one’s paycheck, life can be very sweet so long as one is still earning; a case that is different when it comes to retirement. The majority of individuals lack a source of stable income during old age due to poor spending habits that they had adopted during their earning days. This becomes worse when these individuals lack a strong supporting family to cater for their needs such as medication and food. Therefore, owing to this fact, it is necessary for individuals to consider venturing into some investment opportunities, for it is the surest way of ensuring they avoid many problems and complications associated with old age.

Although investments have many advantages, sometimes they can be a very risky depending on the level of uncertainty involved. Many investment opportunities for example, mutual funds are subject to many alterations in terms of their value, a factor that can cause loses not anticipated; hence inconveniencing individuals. In addition, sometimes because of many economic factors that affect many investments, most investments give individuals minimal opportunities of knowing the value of their investment at particular times; hence, likelihoods of frauds that can result to losses too (Kamlesh, 2009, p.1).

In addition to losses, many long term investments deny individuals withdrawal opportunities incase alterations occur in market prices or instances of goods devaluation is likely to occur.

In conclusion, investments are of great importance hence, a good of way of saving extra earnings for future gains. However, before venturing into any investment opportunity it is advisable for individuals to consider risks involved to ensure their investments remain secure always.

Dubey, A. (2009). Importance of investment. Indian Study Channel. Web.

Importance of investment. Syndicate. 2010. Web.

Kamlesh. (2009). Advantages and disadvantages of different types of investment. Bizcovering. Web.

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How to Invest Money: A Step-by-Step Guide

• Before you start investing money, there are a few important questions you need to ask yourself.
• You'll need to determine your investing style, set an investing budget, and analyze your risk tolerance.
• Only when you've answered these questions should you decide where to invest your money.
• Motley Fool Issues Rare “All In” Buy Alert

First of all, congratulations! Investing your money can be an extremely reliable way to build wealth over time. If you're a first-time investor, we're here to help you get started. It's time to make your money work for you.

Before you put your money into the stock market or other investments, you'll need a basic understanding of how to invest your money the right way. Unfortunately, there's no one-size-fits-all answer here.

The best way to invest your money is the way that works best for you . To figure that out, you'll want to consider your investing style, your budget, and your risk tolerance .

How to invest money

• Identify your investing style.
• Determine your budget for investing.
• Assess your risk tolerance.
• Decide what to invest your money in.

1. Your style

How much time do you want to put into investing your money?

The investing world has two major camps when it comes to how to invest money: active investing and passive investing . Both can be great ways to build wealth as long as you focus on the long term and aren't just looking for short-term gains. But your lifestyle, budget, risk tolerance, and interests might give you a preference for one type.

Active investing

Active investing means taking time to research your investments and constructing and maintaining your portfolio on your own. In simple terms, if you plan to buy and sell individual stocks through an online broker , you're planning to be an active investor. To successfully be an active investor, you'll need three things:

• Time: Active investing requires lots of homework. You'll need to research stocks. You'll also need to perform some basic investment analysis and keep up with your investments after you buy them.
• Knowledge: All the time in the world won't help if you don't know how to analyze investments and properly research stocks . You should at least be familiar with some of the basics of analyzing stocks before you invest in them.
• Desire: Many people simply don't want to spend hours on their investments. And since passive investments have historically produced strong returns, there's absolutely nothing wrong with this approach. As Warren Buffett said regarding passive investing, "It isn't necessary to do extraordinary things to get extraordinary results." Active investing certainly has the potential for superior returns, but you have to want to spend the time to get it right.

It's also important to understand what we don't mean by active investing. Active investing doesn't mean buying and selling stocks frequently, it doesn't mean day trading , and it doesn't mean buying stocks you think will go up over the next few weeks or months.

Passive investing

On the other hand, passive investing is the equivalent of an airplane on autopilot. You'll still get good results over the long run, and the effort required is far less.

In a nutshell, passive investing involves putting your money to work in investment vehicles where someone else does the hard work. Mutual fund investing is an example of this strategy. Or you can use a hybrid approach. For example, you can hire a financial or investment advisor or use a robo-advisor to construct and implement an investment strategy on your behalf.

More simplicity, more stability, more predictability

• Hands-off approach.
• Moderate returns.
• Tax advantages.

More work, more risk, more potential reward

• You do the investing yourself (or through a portfolio manager).
• Lots of research.
• Potential for huge, life-changing returns.

Your budget

2. your budget.

How much money do you have to invest?

You may think you need a large sum of money to start a portfolio, but you can begin investing with $100 . We also have great ideas for investing $1,000 .

Here's the point. The amount of money you're starting with isn't the most important thing. The big question is whether you're financially ready to invest and to invest frequently over time.

One important step to take before investing is to establish an emergency fund . This is cash set aside in a form, such as a savings account , that makes it available for quick withdrawal.

Most investments, whether stocks, mutual funds, or real estate , have some level of risk. You never want to be forced to divest (or sell) these investments in a time of need. The emergency fund is your safety net to avoid this.

Most financial planners suggest an ideal amount for an emergency fund is enough to cover six months' expenses. Although this is certainly a good target, you don't need this much set aside before you can start investing. The point is you just want to avoid having to sell your investments every time you get a flat tire or have some other unforeseen expenses pop up.

It's also smart to get rid of any high-interest debt (like credit cards ) before starting to invest. Think of it this way: The stock market has historically produced returns of 9% to 10% annually over long periods. If you invest your money at these types of returns and pay your creditors 25% interest (the average credit card interest rate in early 2024), you'll put yourself in a position to lose money over the long run.

Your risk tolerance

3. your risk tolerance.

How much financial risk are you willing to take?

Not all investments are successful. Each type of investment has its own level of risk, but this risk is often correlated with returns.

It's important to find a balance between maximizing the returns on your money and finding a comfortable risk level. For example, high-quality bonds , such as Treasury bonds, offer predictable returns with very low risk but also yield relatively low returns of between 4% and 5% (as of early 2024), depending on the maturity term you choose and the current interest rate environment.

By contrast, stock returns can vary widely depending on the company and time frame. However, the overall stock market has historically produced average returns of almost 10% per year.

There can be huge differences in risk even within the broad categories of stocks and bonds. For example, a Treasury bond or AAA-rated corporate bond is are very low-risk investment. However, these will likely pay relatively low interest rates. Savings accounts represent an even lower risk but offer a lower reward.

Interest Rate

On the other hand, a high-yield bond can produce greater income but will come with a greater risk of default. In the world of stocks, the spectrum of risk between blue chip stocks, like Apple ( AAPL -2.78% ), and penny stocks is enormous.

One good solution for beginners is to use a robo-advisor to formulate an investment plan that meets your risk tolerance and financial goals. In a nutshell, a robo-advisor is a service offered by a brokerage. It will construct and maintain a portfolio of stock- and bond-based index funds designed to maximize your return potential while keeping your risk level appropriate for your needs.

What should you invest in?

4. what should you invest your money in.

How do you decide where to invest your money?

This is the tough question; unfortunately, there isn't a perfect answer. The best type of investment depends on your investment goals . But based on the guidelines discussed above, you should be far better positioned to decide what to invest in .

For example, if you have a relatively high risk tolerance, along with the time and desire to research individual stocks (and to learn how to do it right), that could be the best way to go. If you have a low risk tolerance but want higher returns than you'd get from a savings account, bond investments (or bond funds) might be more appropriate.

If you're like most Americans and don't want to spend hours on your portfolio, putting your money in passive investments, like index funds or mutual funds, can be a smart choice. And if you really want to take a hands-off approach, a robo-advisor could be right for you.

Related investing topics

How to invest in stocks: a beginner's guide for getting started.

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Index funds track a particular index and can be a good way to invest. Get a fast introduction to index funds here.

What to Do With Extra Money

So what do you do to build wealth if you find yourself with extra cash?

How to Make Money With AI

While many are worried that AI might eventually take their jobs, others are looking to harness its power to make money.

The bottom line on investing

Investing money may seem intimidating, especially if you've never done it before. However, if you figure out how you want to invest, how much money you should invest, and your risk tolerance, you'll be well positioned to make smart decisions with your money that will serve you well for decades to come.

How to invest money FAQ

How do i start investing money.

Before you start investing money, you need to determine your budget and risk tolerance. That is, are you willing to take on more risk for the potential of superior returns, or is your main priority to make sure you don't lose money?

Then, you can determine your investment style and decide whether you should buy individual stocks or use passive investment vehicles like exchange-traded funds (ETFs) or mutual funds . Once you've decided all of that and done some investment research, you can open a brokerage account and get started.

How do I invest my money to make money?

There are many ways you can invest money, including stocks, bonds, mutual funds, exchange-traded funds (ETFs) , certificates of deposit (CDs) , savings accounts, and more. The best option for you depends on your particular risk tolerance and financial goals.

How can a beginner make money investing?

There are several beginner-friendly ways to invest. You can open a brokerage account and buy passive investments like index funds and mutual funds. Another (even easier) option is to open an account with an automated investing app -- also known as a robo-advisor -- which will use your money to create an appropriate portfolio of investments.

Where can you invest money to get good returns?

Over time, the stock market has produced annualized returns of 9% to 10%, although performance can vary dramatically from year to year. On the other hand, fixed-income investments , like bonds, have historically generated 4% to 6% per year but with far less volatility.

How can I invest $1,000 to make more money?

There are plenty of ways to invest $1,000 to make more money. If you don't want to spend a ton of time researching and planning investments, opening an account with a robo advisor (an automated investment platform) or buying ETFs or mutual funds could be a smart way to go.

Alternatively, if you want to own individual stocks, $1,000 can be enough to create a diversified portfolio. That's especially so if your broker allows you to buy fractional shares of stock.

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What Is Investing? How Can You Start Investing?

Fact Checked

Updated: Apr 4, 2022, 10:12am

Investing is the process of buying assets that increase in value over time and provide returns in the form of income payments or capital gains. In a larger sense, investing can also be about spending time or money to improve your own life or the lives of others. But i n the world of finance, investing is the purchase of securities, real estate and other items of value in the pursuit of capital gains or income.

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How Does Investing Work?

In the most straightforward sense, investing works when you buy an asset at a low price and sell it at a higher price. This kind of return on your investment called a capital gain. Earning returns by selling assets for a profit—or realizing your capital gains—is one way to make money investing.

When an investment gains in value between when you buy it and you sell it, it’s also known as appreciation.

• A share of stock can appreciate  when a company creates a hot new product that boosts sales, increases the company’s revenues and raises the stock’s value on the market.
• A corporate bond  could appreciate  when it pays 5% annual interest and the same company issues new bonds that only offer 4% interest, making yours more desirable.
• A commodity like gold might appreciate  because the U.S. Dollar loses value, driving up demand for gold.
• A home or condo might appreciate in value  because you renovated the property, or because the neighborhood became more desirable for young families with kids.

In addition to profits from capital gains and appreciation, investing works when you buy and hold assets that generate income. Instead of realizing capital gains by selling an asset, the goal of income investing is to buy assets that generate cash flow over time and hold on to them without selling.

Many stocks pay dividends , for example. Instead of buying and selling stocks, dividend investors hold stocks and profit from the dividend income.

What Are the Basic Types of Investments?

There are four main asset classes that people can invest in with the hopes of enjoying appreciation: stocks, bonds, commodities and real estate. In addition to these basic securities, there are funds like mutual funds  and exchange traded funds (ETFs) that buy different combinations of these assets. When you but these funds, you’re investing hundreds or thousands of individual assets.

Companies sell stock to raise money to fund their business operations. Buying shares of stock gives you partial ownership of a company and lets you participate in its gains (and the losses). Some stocks also pay dividends, which are small regular payments of companies’ profits.

Because there are no guaranteed returns and individual companies may go out of business, stocks come with greater risk than some other investments.

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Bonds allow investors to “become the bank.” When companies and countries need to raise capital, they borrow money from investors by issuing debt, called bonds.

When you invest in bonds , you’re loaning money to the issuer for a fixed period of time. In return for your loan, the issuer will pay you a fixed rate of return as well as the money you initially loaned them.

Because of their guaranteed, fixed rates of return, bonds are also known as fixed income investments and are generally less risky than stocks. Not all bonds are “safe” investments, though. Some bonds are issued by companies with poor credit ratings, meaning they may be more likely to default on their repayment.

Commodities

Commodities are agricultural products, energy products and metals, including precious metals. These assets are generally the raw materials used by industry, and their prices depend on market demand. For example, if a flood impacts the supply of wheat, the price of wheat might increase due to scarcity.

Buying “physical” commodities means holding quantities of oil, wheat and gold. As you might imagine, this is not how most people invest in commodities. Instead, investors buy commodities using futures and options contracts. You can also invest in commodities via other securities, like ETFs or buying the shares of companies that produce commodities.

Commodities can be relatively high-risk investments. Futures and options investing frequently involves trading with money you borrow, amplifying your potential for losses. That’s why buying commodities is typically for more experienced investors.

Real Estate

You can invest in real estate by buying a home, building or a piece of land. Real estate investments vary in risk level and are subject to a wide variety of factors, such as economic cycles, crime rates, public school ratings and local government stability.

People looking to invest in real estate without having to own or manage real estate directly might consider buying shares of a real estate investment trust (REIT). REITs are companies that use real estate to generate income for shareholders. Traditionally, they pay higher dividends than many other assets, like stocks.

Mutual Funds and ETFs

Mutual funds and ETFs invest in stocks, bonds and commodities, following a particular strategy. Funds like ETFs and mutual funds let you invest in hundreds or thousands of assets at once when you purchase their shares. This easy diversification makes mutual funds and ETFs generally less risky than individual investments.

While both mutual funds and ETFs are types of funds, they operate a little differently. Mutual funds buy and sell a wide range of assets and are frequently actively managed, meaning an investment professional chooses what they invest in. Mutual funds often are trying to perform better than a benchmark index. This active, hands-on management means mutual funds generally are more expensive to invest in than ETFs.

ETFs also contain hundreds or thousands of individual securities. Rather than trying to beat a particular index, however, ETFs generally try to copy the performance of a particular benchmark index. This passive approach to investing means your investment returns will probably never exceed average benchmark performance.

Because they aren’t actively managed, ETFs usually cost less to invest in than mutual funds. And historically, very few actively managed mutual funds have outperformed their benchmark indexes and passive funds long term.

How To Think About Risk and Investing

Different investments come with different levels of risk. Taking on more risk means your investment returns may grow faster—but it also means you face a greater chance of losing money. Conversely, less risk means you may earn profits more slowly, but your investment is safer.

Deciding how much risk to take on when investing is called gauging your risk tolerance. If you’re comfortable with more short-term ups and downs in your investment value for the chance of greater long-term returns, you probably have higher risk tolerance. On the other hand, you might feel better with a slower, more moderate rate of return, with fewer ups and downs. In that case, you may have a lower risk tolerance.

In general, financial advisors recommend you take on more risk when you’re investing for a far-off goal, like when young people invest for retirement. When you have years and decades before you need your money, you’re generally in a better position to recover from dips in your investment value.

For example, while the S&P 500 has seen a range of short-term lows, including recessions and depressions, it’s still provided average annual returns of about 10% over the past 100 years. But if you had needed your money during one of those dips, you might have seen losses. That’s why it’s important to consider your timeline and overall financial situation when investing.

Risk and Diversification

Whatever your risk tolerance, one of the best ways to manage risk is to own a variety of different investments. You’ve probably heard the saying “don’t put all your eggs in one basket.” In the world of investing, this concept is called diversification, and the right level of diversification makes for a successful, well-rounded investment portfolio.

Here’s how it plays out: If stock markets are doing well and gaining steadily, for example, it’s possible that parts of the bond market might be slipping lower. If your investments were concentrated in bonds, you might be losing money—but if you were properly diversified across bond and stock investments, you could limit your losses.

By owning a range of investments, in different companies and different asset classes, you can buffer the losses in one area with the gains in another. This keeps your portfolio steadily and safely growing over time.

How Can I Start Investing?

Getting started with investing is relatively simple, and you don’t need to have a ton of cash either. Here’s how to figure out which kind of beginner investment account is right for you:

• If you have a little bit of money to start an account but don’t want the burden of picking and choosing investments, you might start investing with a robo-advisor . These are automated investing platforms that help you invest your money in pre-made, diversified portfolios, customized for your risk tolerance and financial goals.
• If you’d prefer hands-on research and choosing your individual investments , you might prefer to open an online brokerage account and hand-pick your own investments. If you’re a beginner, remember the easy diversification that mutual funds and ETFs offer.
• If you’d prefer a hands-off approach to investing, with extra help from a professional, talk to a financial advisor that works with new investors . With a financial advisor, you can build a relationship with a trusted professional who understands your goals and can help you both choose and manage your investments over time.

Regardless of how you choose to start investing, keep in mind that investing is a long-term endeavor and that you’ll reap the greatest benefits by consistently investing over time. That means sticking with an investment strategy whether markets are up or down.

Start Investing Early, Keep Investing Regularly

“Successful investors typically build wealth systematically through regular investments, such as payroll deductions at work or automatic deductions from a checking or savings account,” says Jess Emery, a spokesperson for Vanguard Funds.

Regularly investing helps you take advantage of natural market fluctuations. When you invest a consistent amount over time, you buy fewer shares when prices are high and more shares when prices are low. Over time, this may help you pay less on average per share, a principle known as dollar-cost averaging. And “[dollar-cost averaging is] unlikely to work if you are unwilling to continue investing during a downturn in the markets,” says Emery.

You also should remember that no investment is guaranteed, but calculated risks can pay off.

“Over the last 30 years, an investment in the S&P 500 would have achieved a 10% annualized return,” says Sandi Bragar, managing director at wealth management firm Aspiriant. “Missing the 25 best single days during that period would have resulted in only a 5% annualized return.” That a reminder not to sell your investments in a panic when the market goes down. It’s incredibly hard to predict when stock values will increase again, and some of the biggest days of stock market gains have followed days of large losses.

Good investing begins by investing in yourself. Learn about the types of retirement accounts . Get your emergency savings squared away. Create a strategy for paying down your student loan debt . And with those key financial tools in action, you can start investing with confidence—putting the money you have today to work securing your future.

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NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.

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How to Invest Money in 5 Steps

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

The best way to invest will be based on your goals and risk tolerance.

Minimize your exposure to risk by spreading your money across a range of asset classes.

Investing money in the stock market is one of the main ways to build wealth and save for long-term goals such as retirement. But figuring out the best strategy can feel daunting.

Investing money is personal

Everyone has a unique financial situation. The best way to invest depends on your personal preferences and financial circumstances.

Here's a five-step process that can help you figure out how to invest your money right now:

Identify your financial goal and when you want to achieve that goal.

Decide if you want to manage your money yourself or work with a service that does it for you.

Pick the type of investment account you'll use.

Open an account.

Choose your investments.

Here’s how to put your cash to work right away.

» Ready to actually pick investments? Read about the best investments right now

How to invest money

1. give your money a goal.

Figuring out how to invest money starts with determining your investing goals, when you need or want to achieve them and your comfort level with risk for each goal.

Long-term goals: These goals are at least five years away. One common goal is retirement, but you may also have others: Do you want to save for a down payment on a house or for college tuition? To purchase your dream vacation home or go on an anniversary trip in 10 years? If so, check out our guide to long-term investments .

Short-term goals: These goals are less than five years away. They could be next summer's vacation, an emergency fund or your holiday piggy bank. Money for short-term goals generally shouldn't be invested at all. If you need the money you're saving in under five years, check out our guide to investing money for short-term goals .

2. Decide how much help you want

Once you know your goals, you can dive into the specifics of how to invest (from picking the type of account to the best place to open an account to choosing investment vehicles). But if the DIY route doesn't sound like it'll be your cup of tea, no worries.

Many savers prefer having someone invest their money for them. While that used to be a pricey proposition, nowadays it can be surprisingly affordable to hire professional help thanks to the advent of automated portfolio management services, a.k.a. robo-advisors.

These online advisors use computer algorithms and advanced software to build and manage a client’s investment portfolio, offering everything from automatic rebalancing to tax optimization and even access to human help when needed.

If that sounds appealing, jump over to our list of the best robo-advisors . If you'd rather do it yourself, continue reading — we'll take you through the steps.

3. Pick an investment account

You'll need an investment account to buy most investments, including stocks and bonds. Just as there are a number of bank accounts for different purposes — checking, savings, money market, certificates of deposit — there are a handful of investment accounts to know about.

Some accounts offer tax advantages if you invest for a specific purpose, like retirement. Keep in mind that you may be taxed or penalized if you pull your money out early or for a reason not considered qualified by the plan rules. Other accounts are general purpose and should be used for goals unrelated to retirement — that dream vacation home, for example. Here's a list of some of the most popular investing accounts.

If you're investing for retirement:

401(k): You might already have a 401(k) , which many employers offer. You can contribute to the account directly from your paycheck. Many companies will match your contributions up to a limit — if yours does, you should contribute at least enough to earn that match before investing elsewhere.

Traditional or Roth IRA: If you're already contributing to a 401(k) or don't have one, you can open an individual retirement account. In a traditional IRA , your contributions are tax-deductible, but retirement distributions are taxed as ordinary income. A Roth IRA is a cousin of the traditional version, with the opposite tax treatment: Contributions are made after tax and do not offer upfront tax deductibility, but the money grows tax-free and distributions in retirement are not taxed. There are also retirement accounts specifically designed for self-employed people .

» View our roundup of the best IRA providers

If you're investing for another goal:

Taxable account : Sometimes called brokerage or nonqualified accounts, these are flexible investment accounts not earmarked for any specific purpose. Unlike retirement accounts, there are no rules on contribution amounts, and you can take money out at any time. These accounts don't have tax deductibility, but if you're saving for retirement and you've maxed out the above options, you can continue saving in a taxable account. You can open many types of non-retirement accounts at an online broker.

» View our roundup of the best online brokers

4. Open your account

Now that you know what kind of account you want and you've chosen an account provider, you need to actually open the account. We have step-by-step directions for opening a brokerage account and opening an IRA , but the process is actually very similar to opening a bank account — you'll provide some personal information, choose how to fund the account and transfer the money, typically from a checking or savings account.

Often, you can open an account with no initial deposit. Of course, you're only investing once you add money to the account and buy investments, something you'll want to do regularly for the best results. You can set up automatic transfers from your checking account to your investment account or even directly from your paycheck if your employer allows that.

5. Choose investments that match your goals and tolerance for risk

Figuring out how to invest money involves asking where you should invest money. The answer will depend on your goals and willingness to take on more risk in exchange for higher potential investment rewards. Common investments include:

Stocks: Stocks are individual shares (pieces of ownership) of companies you believe will increase in value. Learn more about stocks .

Bonds: Bonds allow a company or government to borrow money to fund a project or refinance other debt. Bonds are considered fixed-income investments and typically make regular interest payments to investors. The principal is then returned on a set maturity date. Learn more about bonds .

Mutual funds: Investing your money in funds — like mutual funds, index funds or exchange-traded funds (ETFs)— allows you to purchase many stocks, bonds or other investments all at once. Mutual funds build instant diversification by pooling investor money and using it to buy a basket of investments that align with the fund's stated goal. Funds may be actively managed, with a professional manager selecting the investments used, or they may track an index. For example, an S&P 500 index fund will hold around 500 of the largest companies in the United States. Learn more about mutual funds .

If you have a high risk tolerance, a long time before you need the money and can stomach volatility, you may want a portfolio that primarily contains stocks or stock funds. If you have a low risk tolerance, you may want a portfolio with more bonds since these tend to be more stable and less volatile.

Your goals are important in shaping your portfolio, too. For long-term goals, your portfolio can be more aggressive and take more risks — potentially leading to higher returns — so you may opt to own more stocks than bonds.

Whichever route you choose, the best way to reach your long-term financial goals and minimize risk is to spread your money across a range of asset classes. That’s called asset diversification, and the proportion of dollars you put into each asset class is called asset allocation . Then, within each asset class, you’ll also want to diversify into multiple investments.

Different asset classes — stocks, bonds, ETFs, mutual funds and real estate — respond differently to the market. When one is up, another can be down. So, deciding on the right mix will help your portfolio weather changing markets on the journey toward achieving your goals.

Building a diversified portfolio of individual stocks and bonds takes time and expertise, so most investors benefit from fund investing. Index funds and ETFs are typically low-cost and easy to manage, as it may take only four or five funds to build adequate diversification.

More resources on investing

Do you need more information now that you know the investing basics and have some money to invest? The stories below dive deeper into what's covered above.

Check out the best investments this year .

Learn how to choose a financial advisor if you want help balancing financial goals.

Learn how to invest in the stock market .

Read about how to invest in real estate .

Read our guide to investing 101 .

See how to invest in bonds .

See how to invest in index funds .

Use our inflation calculator to understand the relationship between inflation and investing.

On a similar note...

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Study Today

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Essay on Investment | Need & Importance

March 19, 2018 by Study Mentor Leave a Comment

Investment is to distribute money or time in the present with a hope of deriving some benefit in the future. Investment has many meaning and can be looked upon through different angles and sides.

The two major and important characteristics of an investment are present offering and future benefit.

For instance, investment in bonds, real states, valuable objects, insurance policies, etc. All these activities involve current sacrifice of consumption for a profit or gain in future.

When we make our investment for a long period of time by confining our needs for the sake of benefits in the future, risks and the expected benefits and return on the invested or the allocated amount is uncertain.

Therefore, the risk and the expected return from the investment are the two concerning factors of the entire investment process.

Table of Contents

Need to invest

We invest to improve and to upgrade our future stability. No one is aware of what fate is stored for them. Investment ensures betterment and protection of one’s life during the peculiar days.

What we invest comes from assets that we own, saved money, etc. By investing the savings today we build and enhance our future needs and dreams.

It may happen that today what we have might not be present with us tomorrow. We have seen many cases that many people leave abandon their parents when they grow up or after marriage, thus to face such situations people invest their savings so that they don’t need to be dependent on others in future.

Investment bears the fruit especially after the ‘Retirement’, when one retires from his/her job the invested amount serves acts like a pillar for their old age, it motivates and uplifts us to live and enjoy life to the fullest without any worries.

Investment should not be made an option but it is a necessity, a need and one should manage their wealth effectively to derive most from it in the future or in the hour of need.

How to invest

We invest because we have goals in our life, and it may be buying a home or saving for child’s education, for medical uncertainties.

For a successful execution, planning provide a good start and meaning to our financial decisions.

It helps us to understand how each and every decision affects and influences other areas of family requirement. It gives a feeling of security and satisfaction that our dreams, goals and life are at a good track.

Investment process

Investment is needed to be carried out effectively and efficiently.

It is like a ladder on which we need to take slow and steady steps after thinking and observing all the conditions carefully.  Before making any investment we should bear in mind the risk and the return relationship associated with it.

We should be determining about the investment objectives and policy security analysis is needed to be carried out. Construction and diversification of the portfolios and evaluation of performance is needed to be reviewed.

Factors influencing investment

Returns, capital appreciation, safety and security of the invested funds play an important role in the selection of investment.

Investment can be done in the various areas but only after analysing those particular areas that what profit or loss can be faced in future.

It can be made in the form of equity, preference shares, real states, money market investments, non-marketable assets   , valuable goods, insurance policy, etc.

Types of investment

Investment can be of many varieties.

Types of investment include alternative and traditional investments.  One can choose according to his will the type under which he/she wishes to invest.

Alternative investment is an investment in tangible assets, real estates, commodities, private equities. Traditional investment is the one associated with the bonds, cash and policies.

These all depends of the investment environment. The decisions to buy/sell properties are taken by individuals, or group of people needs to carry out the processes.

There is a money and capital market where the investor invests according to their needs. The investment can be for a short period of time that is called a short term investment or for a longer period of time called long term investment.

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